What does this foreclosure notice mean for the homeowners?

It means the mortgage is in default and the lender has started the foreclosure process, which can lead to a sale of the property if the default isn’t cured.

Who is the mortgage currently assigned to?

The notice states the mortgage was assigned to Towne Mortgage Company, as recorded in county records.

Where can I find the recorded mortgage document?

The mortgage is recorded in Carlton County as Document Number A000501136; check the Carlton County Recorder/Registrar of Titles.

Foreclosure — Carlton

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Lender

Affects:HomeownersCreditorsProperty Buyers

A mortgage on property recorded in Carlton County is in default and a foreclosure sale is being initiated after assignment to Towne Mortgage Company. The notice informs mortgagors of the default and pending foreclosure process and sale timeline.

Key Takeaways

Mortgage dated August 13, 2021, is in default
Property recorded in Carlton County (Document A000501136)
Mortgage originally to MERS, assigned to Towne Mortgage Company
Foreclosure sale process has been started (notice dated May 8, 2026)

Published: May 22, 2026 · today
Category: Foreclosure
City: Carlton

Research context

6 foreclosure notices in Carlton (last 12 months)

If you don't respond

If the mortgagors do not cure the default before the foreclosure sale, their property may be sold at the foreclosure sale; the notice date is May 8, 2026. Specific sale date and redemption details would be in the full notice.

What to do next

1
Locate the full foreclosure notice
Obtain the complete foreclosure notice from the Carlton County Recorder using Document A000501136 to find sale dates and cure amounts.
2
Contact the lender or servicer
Reach out to Towne Mortgage Company promptly (contact info in full notice) to discuss payoff, reinstatement, or loss mitigation options before the sale.
3
Consult an attorney or housing counselor
Speak with a foreclosure attorney or HUD-approved housing counselor immediately to understand rights and potential defenses before the sale.

Frequently asked questions

What does this foreclosure notice mean for the homeowners?: It means the mortgage is in default and the lender has started the foreclosure process, which can lead to a sale of the property if the default isn’t cured.
Who is the mortgage currently assigned to?: The notice states the mortgage was assigned to Towne Mortgage Company, as recorded in county records.
Where can I find the recorded mortgage document?: The mortgage is recorded in Carlton County as Document Number A000501136; check the Carlton County Recorder/Registrar of Titles.

The suggestions and answers above are AI-generated for general information only. They can be wrong, and we don't take responsibility for their accuracy. Talk to a qualified professional before acting on them.

Legal terms in this notice

Mortgagor: Person(s) who borrowed money and gave the mortgage on the property.
Mortgagee: Lender or entity that holds the mortgage lien against the property.
MERS (Mortgage Electronic Registration Systems): An electronic registry that can act as nominee for the lender to track mortgage interests.
Assignment of Mortgage: A transfer of the mortgage from one mortgagee to another, recorded in county records.

Full Notice Text

NOTICE OF MORTGAGEFORECLOSURE SALEMinn. Stat. 580.025, 580.04	Minnesota Uniform ConveyancingBlanksForm 60.2.1 (2009)DATE: May 8, 2026YOU ARE NOTIFIED that defaulthas occurred in the conditions of thefollowing described Mortgage:INFORMATION REGARDINGMORTGAGE TO BE FORECLOSED1. Date of Mortgage: August 13,20212. Mortgagors: Andrew D. Depoeand Christine Depoe, as jointtenants, as husband and wife.3. Mortgagees: MortgageElectronic Registration Systems,Inc. (“MERS”), as mortgagee, asnominee for lender and lender`ssuccessors and assigns.4. Recording Information:Recorded on August 24, 2021,as Document Number A000501136,in the Office of the ? CountyRecorder ? Registrar of Titles ofCarlton County, Minnesota.5. Assignments of Mortgage, ifany:Assigned to Towne MortgageCompany, by written assignmentrecorded o